Please select your plan from the tabs below for more information about your plan and to gain access to your plan forms. If you have any questions or need assistance please contact us.

A 403(b) is a retirement savings plan generally offered by public schools and other tax-exempt organizations that allows employees to make contributions on a pretax or post-tax basis. Most plans allow you to start, stop, increase or decrease contributions at any time. The employer determines the investment providers and employees must open an account with one of those providers to contribute. Employers may also make contributions on behalf of employees.

You may join the Plan at any time by choosing “Login” on the menu and clicking "New to the system? Enroll Now!". You will need your Social Security Number and the plan password provided on the Plan Description for your employer. The Plan Description can be found on our website by choosing “Plan Description” from the menu.

If you are changing your elections for the first time, you will need to enroll by choosing “Login” on the menu and clicking "New to the system? Enroll Now!". You will need your Social Security Number and the plan password provided on the Plan Description for your employer. The Plan Description can be found on our website by choosing “Plan Description” from the menu. The elections you make during the enrollment process will take the place of your current elections.

If you have already enrolled on our system, you can make future changes online by clicking the “Login” button on the menu and accessing your account.

Your Employer contracts with TCG Administrators to provide administrative, and communication services to participants. TCG Administrators is the main contact for participants. You can find out how to contact TCG Administrators by choosing "Contact Us" from the menu. (Note that if your employer is a nonprofit organization with a 403(b) plan not covered by “ERISA,” neither your employer nor TCG Administrators can exercise discretionary authority over certain aspects of the administration of the Plan. Check your Plan’s Summary Plan Description (Plan Description or SPD) to see if this applies to your Plan.)

You decide the amount that you want to contribute. Please keep in mind that there are limits imposed under the Internal Revenue Code. The maximum amount you can contribute during each calendar year is up to 100% of your includable compensation or the maximum listed in the table below, whichever is less.

Maximum Yearly Contribution

Year

Maximum

2016

$18,000

Catch-up contributions in 403(b) plans operate under the following rules:

At age 50, you become automatically eligible to contribute an additional $6,000 per year.

If you are not 50 years of age or older, and have 15 years of service with your current employer, and have not contributed more than an average of $5,000 per year, you may be eligible to contribute an additional $3,000 per year, depending on your use of the age 50 catch-up.

The lifetime limit for Catch-up contributions based on years of service is $15,000.

For your convenience, TCG Administrators has provided a Maximum Allowable Contribution form, to aid you in calculating your Catch-Up contribution. It can be found in the 'Forms' section above.

Your contribution will be remitted to the available investment providers based on the percentage allocation or dollar amount you choose. Not all Plans allow percentage contributions – the TCG Administrators online system will allow you to use the option available under your Plan.

For plans of public school employers, specific investment elections will need to be chosen through the investment providers. For more information about specific products you will need to contact your investment provider.

For all other plans you will be able to make your investment elections by logging into the TCG Administrators online system.

For plans of public school employers, specific investment elections will need to be chosen through the investment providers. For more information about the investments available in a specific product you will need to contact your investment provider.

For all other plans please check the Vendor List under Plan Description on the men for instructions.

For Texas Public School Employers The Texas Teachers Retirement System (TRS) is authorized by the Texas Legislature to determine 403(b) vendors and products that are available to public school employees. You are not allowed to select a vendor or product not authorized by TRS. Certain "grandfathering" applies. If you have any questions about this please contact TCG Administrators.

For California Public School and Community College Employers The California State Teachers Retirement System (CalSTRS) is authorized by the California Legislature to determine 403(b) vendors and products that are available to public school employees. You are not allowed to select a vendor or product not authorized by CalSTRS. Certain "grandfathering" applies. Go to the 403bCompare website for more information. A link can be found under "Resources" on available vendors.

For All Other Employers For all other plans please check the Vendor List under Plan Description on the menu.

For Public School Employers Investment providers who choose to cooperate fully with the information sharing requirements of the plan will have information available for you by logging in to your account.

Investment providers who do not fully cooperate with the information sharing agreements of the plan may display zero balances. You will need to contact those investment providers for more information.

All funds are ultimately invested at the investment providers and you may still need to contact them for certain information.

For All Other Employers You can see your investments through the TCG Administrators website. If you need help please call TCG Administrators Customer Service.

For plans of public school employers, if the company is an active vendor in the Plan, depending on vendor rules and restrictions, you may be able to "exchange" your funds into a different annuity or investment account with another vendor.

For all other plans you can make any type of investment change on the TCG Administrators website.

To get more information about the Plan or enrolling in the Plan, please contact TCG Administrators at 800-943-9179, or visit the other areas of this website.

A 457 is a retirement savings plan that allows employees to make contributions on a pretax basis, thus income taxes are deferred until your assets are withdrawn. Most plans allow you to start, stop, increase or decrease contributions at any time. The contribution limits are separate from those of 401(k) and 403(b) plans and more flexible withdrawal options are often available.

A 457 Deferred Compensation Plan and is a tax-deferred supplemental retirement Plan sponsored by your employer. The Plan is authorized by Internal Revenue Code (IRC) Section 457(b) and is governed by federal tax rules. The Plan allows employees to voluntarily contribute a portion of their compensation on to a retirement plan. The amount invested plus earnings is not taxable until withdrawn from the Plan unless you are in a Roth account. In a Roth account the contributions are taxable but earnings are never taxable if all tax rules are followed.

Your employer contracts with JEM Resource Partners (JEM) to provide administrative, investment and communication services to participants. JEM is the main contact for participants. You can find out how to contact JEM by choosing "Contact Us" from the menu.

You may join the Plan at any time by clicking the "Access My Plan" button in the top menu and selecting register after choosing the correct plan type. You will need your Social Security Number and the plan password provided on the Summary Plan Description for your employer. The Summary Plan Description can be found on our website in the Plan Description section by selecting your employer and plan type.

You decide the amount that you want to contribute. Please keep in mind that there are limits imposed under the Internal Revenue Code. The maximum amount you can contribute during each calendar year is up to 100% of your includable compensation or the maximum listed in the table below, whichever is less.

Maximum Yearly Contribution

Year

Maximum

2011

$16,500

2012

$17,00

2013+

TBD-Indexed to inflation in $500 increments.

During one of the three calendar years prior to your Normal Retirement Age* you may utilize the Standard Catch-up provision by making additional contributions to the Plan of up to twice the regular deferral limit. There are complex rules for calculating this so if you qualify to use this please contact JEM.

If you work for a public/governmental employer and are age 50 or older you may utilize the Age 50+ Catch-up provision by making additional contributions to the Plan. During any year in which you are utilizing the Standard Catch-up provision you may not utilize the Age 50+ Catch-up provision. The additional contribution amounts are listed in the table below:

Additional Yearly Contribution Utilizing Age 50+ Catch-up**

Year

Maximum

2011

$5,500

2012

$5,500

2013+

TBD-Indexed to inflation in $500 increments.

*The term "Normal Retirement Age" shall mean the range of ages from the earliest age at which the Participant has the right to retire and receive a retirement benefit, under the defined benefit public retirement system of which the Participant is a member, if any, without actuarial or similar reduction because of retirement through and including age 70½, as designated by the Participant. Any Participant who works beyond age 70½ may designate a Normal Retirement Age greater than 70½ provided, however, that Normal Retirement Age may not be later than the date or age at which the Participant terminates employment with the Employer.

**This rule does not apply to Participants in plans of private non-profit employers.

Please check the Vendor List under Plan Description option for your employer on the website menu. If your employer is a public/governmental employer funds in the Plan must be held in trust by a financial institution that qualifies to hold the funds or held by an insurance company. This rule does not apply to plans of private non-profit employers.

If the JEM/Wilmington Trust investment platform is the only option listed on your Vendor List under the Plan Description, then the following information applies. If your Plan is a “multi-vendor” plan then you will need to skip to that explanation below. In a multi-vendor plan various insurance and mutual fund companies will be shown on the Vendor List.

JEM/Wilmington Trust Instructions
If you are changing your investments for the first time, you may join the Plan at any time by clicking the "Access My Plan" button in the top menu and selecting register after choosing the correct plan type. You will need your Social Security Number and the plan password provided on the Summary Plan Description for your employer. The Summary Plan Description can be found on our website in the Plan Description section by selecting your employer and plan type.

If you have already initiated changing your investments, you can make future changes online by selecting login from the "Access My Plan" section under the correct plan type. The following transactions can be made online:

Move all or a portion of your existing balances between investment options.

Change how your future contributions are invested.

You can check your account balance by logging into our website or you may call JEM toll free at 800-943-9179.

Multi-Vendor Plan
The companies with whom you can choose to invest are shown in the Vendor List. You will need to contact the company you choose to set up an account and make changes in the account. You will enroll only for payroll deductions on the JEM website. Specific investment elections will need to be chosen through the investment providers. For more information about specific products you will need to contact your investment provider.

To change your payroll deductions, if you are changing your elections for the first time, you will need to enroll by choosing “'Login”' on the left-hand menu and clicking "New to the system? Enroll Now!" You will need your Social Security Number and the plan password provided on the Plan Description for your employer. The Plan Description can be found on our website by choosing “'Plan Description”' from the menu. The elections you make during the enrollment process will take the place of your current elections.

If you have already enrolled on our system, you can make future changes online by clicking the “'Login”' button on the menu and accessing your account. The following transactions can be made online:

Contribution Amount

Investment Provider Allocation Percentages

Investment providers who choose to cooperate fully with the data sharing requirements of the Plan will have information available for you by logging in to your account. Investment providers who do not fully cooperate with the data sharing agreements of the Plan may display zero balances. You will need to contact those investment providers for more information.

The Internal Revenue Code allows distribution of funds only upon retirement, termination of service with the participating employer, or attainment of age 70½. At the time you terminate service you may:

Keep your money invested in the Plan and if desired, continue to manage your money within the offered investment options*;

Withdraw your money - subject to ordinary income tax; or

Roll your money to an IRA or another eligible employer that accepts rollovers*.

The Internal Revenue Code and the Plan contain three provisions that allow withdrawal of funds while still employed. These three provisions are limited and have strict requirements, which must first be met. They are:

An unforeseen emergency must be documented, meet the Internal Revenue Code definitions and criteria, and be approved by the Plan Administrator.*

A "de minimis" withdrawal - this provision allows a withdrawal while employed if your balance is $5,000 or less, you have not deferred for the last 24 months and have never used this provision before.*

Yes, loans are available.* The minimum loan amount under the Plan is $1,000 and the maximum loan amount is 50% of your account value. Participants with account values less than $2,000 are not eligible for loans. For further information on loans, please contact JEM at 800-943-9179.